You’ve built up equity in your home.
But instead of using it, you’re letting the bank profit from it.
Every night, your bank may be shifting that idle equity into the global money market—earning interest for them, not you. Meanwhile, you’re working hard, paying tax, and hoping your super will be enough for retirement.
Why Are So Many Australians Worried About Retirement?
The 2025 Rethinking Retirement Report from Colonial First State reveals a widening gap between retirement hopes and reality:
- 59% of Australians no longer believe they’ll achieve a comfortable retirement.
- Financial security among retirees has dropped from 71% last year to just 64% today.
- 1 in 4 retirees use their super to pay off debt—rising to 30% for those without a home.
The average Australian retires with $175,000 still owing on their mortgage, while the average super balance is just $357,000 for men and $288,000 for women — far below what’s needed for a comfortable retirement.
According to the Australian Bureau of Statistics, a single retiree needs about $50,000 per year, and a couple needs over $70,000.
But here’s the truth: Super alone isn’t enough anymore—and neither is standing still.
How Could Your Home Equity Help Secure Your Financial Future?
Right now:
- Interest rates are falling
- Property values are climbing
- Equity levels are strong for many homeowners
It’s a rare window of opportunity for those willing to act.
With the right strategy, your equity could help you:
- Purchase a brand-new investment property
- Claim tax deductions and depreciation
- Generate rental income
- Build capital growth
- Pay down your existing mortgage faster
- Create a passive income stream for retirement
How Much Is Tax Really Costing You—and Can You Reduce It?
If you’re earning $100,000 a year, you might be paying around $26,000 in tax annually.
That’s $130,000 over five years—just handed over.
But what if you could reduce that tax bill using a smart investment strategy personalised to your income?
“At Haverton, we help everyday Australians legally reduce their tax using brand-new investment properties that come with depreciation, interest deductions, and claimable expenses.”
This means you could:
- Offset your taxable income
- Reduce your tax bill each year
- Use that money to pay down your mortgage faster
- Put your equity to work—not just your salary
What Happens If I Wait to Use My Equity?
Many people delay because they feel uncertain—or because their super feels “just enough” for now.
But the cost of waiting includes:
- Missed property gains
- Shrinking borrowing power as you age
- Losing more income to tax
- Relying too heavily on super or the pension later
“You’re not too late—but time matters.”
Who Else Has Done This—and What Were Their Results?
Want to see how this strategy works in real life?
Hear from everyday Australians who started their property investment journey with us:
• Pravin’s Story: From First-Time Investor to Financial Security
• Hester and Elizabeth: Securing Their Retirement Dreams Through Property Investment
• Harinder and Preet: Achieving Financial Success and Peace of Mind Through Property Investment
You can watch their full testimonials and hear more inspiring stories 👉 [havertonhomes.com.au/testimonials]
What’s the Truth About Timing Your Property Investment?
If you’ve been waiting for the “perfect time,” you’re not alone. But the truth is, every year you wait, costs rise, opportunities shrink, and your long-term return erodes.
Success in property isn’t about timing the market—it’s about time in the market.
So here’s the truth:
• There’s no secret.
• There’s no shortcut.
• But there is a proven path—and a team ready to walk it with you.
As one of our clients said, “It’s about empowering yourself with the right people around you. If you do that, you’re on a winning ticket.”
How Can I Take Action and Get Started Today?
Stop guessing. Start planning your future with clarity.
Let us help you with real numbers and a clear path forward.
Get Your Free Personal Investment Starter Pack and receive a tailored report that includes:
• Weekly Cashflow Analysis
• Tax Saving Report
• Home Loan Payoff Plan
• Capital Growth Forecast
Make Informed Property Decisions Today. Stop guessing. Use real numbers based on your curent tax position.
Get your FREE Investment Starter Pack and start planning with clarity.
Your future self will thank you.
🕒 Limited packs available each week — don’t miss out.
